Disability & Income
Independent medical examinations and how to handle them
An examination arranged and paid for by the insurer, conducted by a physician they selected, whose report frequently decides the claim.
Topic
disability
Every Premium Policy Plans article tagged disability — 5 pieces across 1 section.
Disability & Income
Returning to work on a disability claim
The provisions that determine whether attempting a return costs you your benefits, and what to check before you try.
Disability & Income
Social Security disability, and why it is not a plan
A genuine safety net with a strict definition, a long process and a high initial denial rate.
Disability & Income
Elimination periods, benefit periods and what they cost
Two dials that move disability premiums considerably, chosen by most buyers on the basis of price alone.
Disability & Income
Own-occupation versus any-occupation disability cover
The definition of disability in the policy determines whether a claim is paid, and the difference between two phrases is the difference between coverage and none.